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USDA Mortgage GroupIncome Eligibility
The USDA Home Loan was designed to serve moderate to low income households in Washington State. Moderate income is defined as the Greater of 115% of the US Median Family Income or the average of the state median family imcome for the respective area. In order to qualify for a USDA Home Loan your household income must be lower than the USDA Income Limits shown below.
USDA Income Limits for Washington State
| Location | Household 1 to 4 |
Household 5 to 8 |
| Bellingham, WA | $74,050 | $97,750 |
| Bremerton-Silverdale, WA | $81,500 | $107,600 |
| Kennewick-Pasco-Richland, WA | $74,550 | $98,400 |
| Lewiston, ID-WA | $73,600 | $97,150 |
| Longview, WA | $73,600 | $97,150 |
| Mount Vernon-Anacortes, WA | $73,600 | $97,150 |
| Olympia, WA | $80,500 | $106,250 |
| Portland-Vancouver-Beaverton, OR-WA | $80,500 | $106,250 |
| Seattle Bellevue, WA | $92,000 | $121,450 |
| Tacoma, WA | $78,350 | $103,400 |
| Spokane, WA | $73,600 | $97,150 |
| Wenatchee, WA | $73,600 | $97,150 |
| Yakima, WA | $73,600 | $97,150 |
| Adams County, WA | $73,600 | $97,150 |
| Clallam County, WA | $73,600 | $97,150 |
| Columbia County, WA | $73,600 | $97,150 |
| Ferry County, WA | $73,600 | $97,150 |
| Garfield County, WA | $73,600 | $97,150 |
| Grant County, WA | $73,600 | $97,150 |
| Grays Harbor County, WA | $73,600 | $97,150 |
| Island County, WA | $89,550 | $118,200 |
| Jefferson County, WA | $73,600 | $97,150 |
| Kittitas County, WA | $73,600 | $97,150 |
| Klickitat County, WA | $73,600 | $97,150 |
| Lewis County, WA | $73,600 | $97,150 |
| Lincoln County, WA | $73,600 | $97,150 |
| Mason County, WA | $73,600 | $97,150 |
| Okanogan County, WA | $73,600 | $97,150 |
| Pacific County, WA | $73,600 | $97,150 |
| Pend Oreille County, WA | $73,600 | $97,150 |
| San Juan County, WA | $73,600 | $101,450 |
| Stevens County, WA | $73,600 | $97,150 |
| Wahkiakum County, WA | $73,600 | $97,150 |
| Walla Walla County, WA | $73,600 | $97,150 |
| Whitman County, WA | $73,600 | $97,150 |
Why are USDA Home Loans so popular in Washington State?
Simply put USDA Rural Mortgages offer a number of advantages that other conventional loan programs cannot match. These advantages include:
- Zero or No Money Down Purchase
- No Mortgage Insurance
- 620 Minimum Credit Score
The demand for USDA home loans in Washington has more than trippled between 2006 and 2009. In 2010 we could see 3000+ USDA Home Loans close in Washington State. If you have any questions about USDA income eligibilty contact us.